As a mom, your number one priority is your family. It's so amazing how we can go overnight from only needing to worry about ourselves to needing to care about a tiny, helpless little human.

How we look at the entire world changes. And, one question comes up that may never have come up before. What happens if my spouse or I passes away? How will the remaining parent care for the child, financially and otherwise?

When I was pregnant with my older daughter, we got life insurance for my husband because I had life insurance through my job. However, I left my job and now blog full time, so I'm without life insurance. Since I am the primary earner in our house, we've been talking about getting life insurance for me too.

Even for moms that don't work, and stay home with the kids, life insurance is a huge benefit. What would happen to the family if the stay at home mom passed away? How would the father pay for childcare and keep his job?

I think it's important for both mom and dad to have life insurance, so no matter what, our children will be cared for. While it's not likely that something will happen to one of the parents, it's best to be prepared.

Ladderis a new type of company that has built a streamlined life insurance product that offers an instant decision with no policy fees and no direct agents. They take the middleman out of purchasing life insurance, so you're not paying more than you need to.

You won't need to meet with an agent to get life insurance through Ladder. Once you figure out how much life insurance you need, you can request a quote from Ladder. If you're happy with the quote you receive, you can apply online and you'll have an answer in minutes – not weeks like traditional insurance providers.

I played around with the quote system and, for us, term life insurance through Ladder looks like it could even be more affordable than our current insurance provider! For what we have for my husband, the Ladder quote was about 1/3 of the amount we currently pay. It looks like it's time to look at switching life insurance providers!

Currently the Ladder product is only available in California, but it has plans to roll out nationwide soon. If you've thought about getting life insurance for you and your spouse, check out Ladder. You can get your free quote here.

How does the term life insurance quote through Ladder compare to what you currently pay?

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